I cannot think of any cause for a sewer line damage being caused by something that would be covered by a homeowners policy. It is probably maintenance and not an issue for your home insurance.
They should. They cut YOUR wires, didn't they?
Not generally. If the repair man is responsible for damage, he is also responsible to repair it.
Damage must be due to a covered cause for the damage to be claimed on your homeowners insurance. I cannot think of any way damage to a sewer could be from a covered cause.
Inside your home or outside and did you bother to READ your policy?
Only if it was damaged by a covered peril such as fire, vandalism, falling object, lightning strike, etc. If your Ac is just broken down then it will not be covered under your home insurance policy. That would be a normal and expected maintenance issue.
most of the time they will only damages caused by the bad repair not the repair itself 1. Read your policy 2. Call your insurance agent and ask THEM.
Typically your home insurance policy will cover damages that result from Fire, Wind, Hail etc. It just depends on how your counter top got broken and the terms and scope of coverage your homeowners insurance policy offers. Your repair however would likely be far less than the deductible on your home insurance policy. These are sometimes referred to as nuisance claims by insurers.
Automobiles are covered by Auto Insurance. If you have full coverage auto it will repair any damages caused to your vehicle by the shopping cart, minus your deductible of course. Homeowners Insurance does not cover automobiles, if it did, we would have no need for car insurance.
If you had no insurance then you're out of luck. You'll just have to buy a new house or try to rebuild or repair the one that was damaged by the tornado.
It depends on why it went out. Your Homeowners policy covers damage resulting from certain perils such as fire wind hail, lightning etc If it's just old ac unit and in need of replacement or repair then NO. Your homeowners insurance does not provide coverage for homeowners normal maintenance and updates.
No. Specific exclusions apply to faulty construction, workmanship, renovations, ect. //
Nothing, you have extra money and a broken vehicle.